Small Business Banking


A highly regulated interest-bearing escrow account to manage short-term client funds.

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  • No Standard Account Transaction Fees
  • No Monthly Account Maintenance Fees
  • Compliant with State Bar Rules
Some conditions apply, please ask your Citibank Small Business representative for full details.

Get 24/7 Access to Citi Online Tools

  • Monitor funds, view transaction history, and handle wire transfers anytime, anywhere
  • Conveniently open and close client sub-accounts online

Account Management Support

  • Easily manage accounts when you organize them according to your firm’s existing billing and filing practices
  • Choose to receive a single consolidated monthly statement, or separate monthly statements detailing your transaction activity for each client account

Simplify Bookkeeping

  • Citi manages the distribution of interest and provides automatic proof of payment, as well as receipts for business records and tax reporting
  • No fees are assessed in maintaining the account––less bookkeeping, more convenience
These checking accounts include

Online Banking

Citi’s online banking tools help you manage your day-to-day business transactions

Debit Cards

Make deposits and withdrawals at ATMs1. Get a debit card for yourself and your employees

Bill Pay

Manage all of your bills online in one place

Account Alerts

Set your alert preferences and receive notifications by text or email

Security & Fraud Protection

We help protect your accounts from online fraud risks, so you can bank with confidence


Make mobile transfers, pay your bills, monitor transactions, and more

How to open an account

Prepare your documents

Get the documents you need before you visit the branch

What to bring

Visit a branch

Open an account after speaking with a specialist at your local Citi branch

Find a location

Still have questions?

Get answers to common questions about your Citi business accounts

Visit our FAQs

Call our customer service specialists

1-877-528-0990 (TTY 1-800-945-0258).1-877-528-0990 (TTY 1-800-945-0258).
We’re available Mon-Fri 7am to 11pm ET and Sat-Sun 9am to 5:30pm ET.

Services to help grow your business

  1. Get cash, view account information and make transfers between your eligible linked Citibank accounts with no surcharge fee when you use your Citibank Banking Card at ATMs in the U.S. located at Citibank branches and select retail store locations, as well as participating in the MoneyPass® Network. ATMs in other retail stores and other non-Citi locations are not owned or operated by Citibank. Use the Citi Worldwide ATM/Branch Locator on Citibank Online or the Citi Mobile® App to find the nearest ATMs and branches, including non-Citibank ATMs in the U.S. with no surcharge fee.

    MoneyPass is a registered trademark of U.S. Bank National Association.